We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Credit rating in credit card different to my bank account's ?

2»

Comments

  • Skag
    Skag Posts: 480 Forumite
    Part of the Furniture 100 Posts
    Update, Equifax credit check: 492/600. Rating: Excellent.
  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Skag wrote: »
    My CC limit is 25k...
    I just ran a credit score with Noddle and gave me 642/710 and a rating of 5/5.
    I don't get it...I guess I'll have to accept that Vodafone is just picky...

    Stop looking at the magic numbers.

    What do your credit files actually show?
  • DCFC79
    DCFC79 Posts: 40,641 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Skag wrote: »
    My CC limit is 25k...
    I just ran a credit score with Noddle and gave me 642/710 and a rating of 5/5.
    I don't get it...I guess I'll have to accept that Vodafone is just picky...

    Lenders, banks etc will either use just 1 agency or a mix of any 2 or all 3 so that might account for the variance.
  • Skag
    Skag Posts: 480 Forumite
    Part of the Furniture 100 Posts
    Deleted_User wrote: »
    Stop looking at the magic numbers.

    What do your credit files actually show?

    Everything is settled, and all green. No issues anywhere.
  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Are you on the ER?
    Are you carrying a lot of debt?
    Have you moved address a lot?
  • Skag
    Skag Posts: 480 Forumite
    Part of the Furniture 100 Posts
    Deleted_User wrote: »
    Are you on the ER?
    Are you carrying a lot of debt?
    Have you moved address a lot?

    Yes.
    Debt was 3k for the last month in CC but paid in full when the statement was issued, so I don't think that counts as debt.
    2 addresses since 2009.
  • Nebulous2
    Nebulous2 Posts: 5,717 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    That doesn't add up then.

    Is there a Vodafone search showing on any of your files?

    If they turned you down they would normally say it is because of the credit check and would refer you to the CRA they use. I've seen people who try to get a contract, through a reseller rather than direct, claim they were turned down without a credit check, possibly because the deal is oversubscribed or sold out.
  • Skag
    Skag Posts: 480 Forumite
    Part of the Furniture 100 Posts
    No actually, no Vodafone related stuff appear. Maybe they misspelled my surname since it's quite long and difficult and I was over the phone...
  • stuart30
    stuart30 Posts: 499 Forumite
    Skag wrote: »
    No actually, no Vodafone related stuff appear. Maybe they misspelled my surname since it's quite long and difficult and I was over the phone...


    Id recommend Tesco contract..cracking deals with fast 4G and on o2 network.

    Credit check passed easily for us.
  • Candyapple
    Candyapple Posts: 3,384 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    For SIM deals check here:
    http://www.hotukdeals.com/deals/hukd-sim-only-thread-cheapest-sim-only-deals-free-sim-offers-2481975

    The free versions to check your credit files are below:
    Experian: https://www.moneysavingexpert.com/creditclub
    Call Credit: https://www.noddle.co.uk
    Equifax: https://www.clearscore.com
    I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.7K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.7K Work, Benefits & Business
  • 600.1K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture